Applies to bodily injury by accident or disease. Employee groups are evaluated to assure they are classified correctly. Quotes are obtained from high quality carriers. 

• Carriers are "A" rated and admitted in the State of Michigan.
• Low rates through proper classification of employee groups.
• Dividend plan is based on each individual employer's experience and the carrier with which the coverage is placed.
• Specialized loss control service - inspection of your facility, safety features, training, and risk management.
• Volunteer coverage is a provision that will provide coverage for active volunteers of your organization (subject to a premium charge).
• Premium - a deposit premium is due when coverage is bound, with the balance due in monthly, quarterly, or semi-annual payments, depending on the size of the premium.
• Competitive classification rates.
• Prompt handling of claims.
• Premium credits for " Return To Work" programs and direct claim reporting.